Overview
These Terms and Conditions ("Terms") govern your use of the Finally Free Financial website at finallyfreefinancial.com and any loan products or services offered by 8 Squared Consulting LLC, a Wyoming limited liability company doing business as Finally Free Financial. By using our site or submitting an application, you agree to these Terms.
1. Eligibility
To apply for a loan, you must be at least 18 years of age, a U.S. citizen or permanent resident, and reside in a state where our products are available. All loans are subject to credit approval.
2. Loan Products
Finally Free Financial offers consumer installment loans. Loan amounts, rates, and terms vary based on creditworthiness and other factors. All loan details will be clearly disclosed to you prior to any agreement. Not all applicants will qualify. Not available in all states.
Finally Free Financial is a consumer lending company. We are not a debt settlement company, debt relief service, or credit counseling agency.
3. SMS Text Message Terms
SMS Program Terms
By providing your mobile phone number and expressly consenting, you agree to receive SMS text messages from 8 Squared Consulting LLC d/b/a Finally Free Financial. Messages may include loan application updates, appointment reminders, and information about our products and services.
Message frequency varies. Message and data rates may apply.
To opt out: Reply STOP to any SMS message at any time. You will receive one final confirmation message and will not receive further texts.
To get help: Reply HELP or contact us at finallyfreefinancial.com/Contact.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. SMS consent is not required as a condition of any loan application or approval.
Supported carriers include AT&T, Verizon, T-Mobile, and other major U.S. wireless carriers. Carrier is not liable for delayed or undelivered messages.
4. Accuracy of Information
You agree that all information provided in connection with your loan application is true, accurate, and complete. Providing false information may result in denial of your application and potential legal consequences.
5. Credit Authorization
By submitting an application, you authorize 8 Squared Consulting LLC to obtain consumer credit reports, verify your identity and income, and share your application with lending partners for evaluation purposes.
6. Privacy
Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
7. Disclaimer
Our website and services are provided "as is" without warranties of any kind. Nothing on this site constitutes financial, legal, or tax advice. We are not responsible for decisions made based on information provided on this site.
8. Limitation of Liability
To the maximum extent permitted by law, 8 Squared Consulting LLC shall not be liable for any indirect, incidental, or consequential damages arising from your use of our website or services.
9. Equal Credit Opportunity
We comply with the Equal Credit Opportunity Act. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, or any other characteristic protected by law.
10. Governing Law
These Terms are governed by the laws of the State of Wyoming. Any disputes shall be resolved through binding arbitration. You waive any right to a jury trial or class action participation.
11. Changes to These Terms
We may update these Terms at any time. Continued use of our services after changes are posted constitutes acceptance of the updated Terms.
12. Contact Us
8 Squared Consulting LLC d/b/a Finally Free Financial
Wyoming Limited Liability Company
finallyfreefinancial.com/Contact